| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $98K | $0 | $98K | 1.54% |
| MERCER HEALTH AND BENEFITS, LLC Filed as: MERCER HEALTH & BENEFITS | — | BERKLEY LIFE AND HEALTH INSURANCE COMPANY | $101K | — | $101K | 2.92% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | BERKLEY LIFE AND HEALTH INSURANCE COMPANY | $26K | $43K | $69K | 2.00% |
| MERCER HEALTH AND BENEFITS, LLC Filed as: MERCER HUMAN RESOURCE | — | HARTFORD LIFE AND ACCIDENT | — | $44K | $44K | 1.33% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA BEHAVIORAL HEALTH, INC EIN 41-1648670 EAP PROVIDER | Claims processing; Participant communication; Direct payment from the plan; Contract Administrator Service code 12 | — | $30.8M |
| CIGNA HEALTHSPRINGS EIN 59-1031071 MEDICAL CLAIMS ADMIN | Non-monetary compensation; Claims processing; Other services; Float revenue; Named fiduciary; Participant communication; Contract Administrator; Direct payment from the plan Service code 12 | — | $10.3M |
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 13,213 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4,965 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 18,178 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(7 contracts, 6 carriers) | INDEPENDENT HEALTH | 1,955 | $1.8M |
| Dental | CONNECTICUT HEALTH AND LIFE INSURANCE COMPANY | 15 | $0 |
| Life insurance(3 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 18,265 | $12.3M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 7,882 | $3.3M |
| Stop-loss / reinsurancereinsurance | BERKLEY LIFE AND HEALTH INSURANCE COMPANY | 14,275 | $3.5M |
| Other(2 contracts, 2 carriers) | 873 | $696K | |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 18,265 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.